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Five Plus Investor
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Five Plus Investor is a business owner, stock market junkie and manager of a (9) different investment accounts of various flavors (brokerage, HSA, Coverdell ESA, 529 College Savings, Traditional and Roth IRAs). As a contributor, Five Plus Investor has three main goals: 1) Assist new investors... More
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  • Life Well As Other Stuff...

    Hello friends and detractors:

    For those of you who have PM'd me with your support in putting out future articles, THANK YOU. For those of you who have PM'd me with a message of falacious good cheer because you view my lack of SA activity as some sort of concession speech on the defeat of my personal strategy...this Instablog is a lump of coal in your Christmas stocking.

    Any of you who have followed me know that I am not a professional money manager. I am, first and foremost, a mother and wife. Then, business owner. Finally, I am an investor and SA contributor. The rest of my life comes before SA.

    The last few months have been extremely trying, and my husband and I have grappled with what to do with our oldest son. I do not feel the liberty to share all, only to say that it is a special kind of heartbreak to have a young adult child with internal struggles. We are trying help him deal with a special kind of failure, and are assisting him in finding the right path for his young adult life.

    For those of you who shared in the heartbreak of the rebellion of my youngest, I have good news. She is now on the right path, and am finally seeing the payoff of all the "tough love" we had to deal with over the summer.

    I have also dealt with the death of a beloved aunt to leukemia, and helping my disabled mother deal with this heartbreak has weighed heavily on my spirit, and on my time.

    All this to say...I promise there will be more articles to come...when life settles down (which I sincerely hope it will).

    As for my detractors, who believe my absence is my declaration that I have succumbed to the defeat of my own strategy, let's see if my strategy has failed me.

    The market is down from the highs in October about 7%. I am down in my largest portfolio - the one I consider my nest egg - about 4%. As I am concerned about total return, I do care about YOY growth. I average between 5 and 10% growth per year, and from Dec. 2011 - Dec 2012, I am inline at 6.9% total return. If the market ends on an upturn, this figure will improve.

    I am also on track to have modest income growth, in line with the current rate of inflation (about 2%). I will admit - this figure could be better. However, having been severely burned in 2008, I vowed never to be caught holding too much during a downturn. As such, right after the election I was in 25% cash, which has recently been fully deployed back into undervalued dividend stocks. Several of these underperformers have taken off, and just in a few months I have seen better than 10% growth on these selections. My goal is to have my portfolio yield between 6 - 7% every year. Even with a partial selloff in November, I have already reached this goal (6.7% yield), and not all of my December dividends have hit my account.

    The strategy of tracking the market may be at odds with some of my co-horts. However, as I've long tried to explain to the detractors of dividend investing, we are not a homogenous group. We all have our own definition of success, and our own unique ways of getting there. The minute you criticize a certain strategy, there are a host of others that can, I don't do it that way. Therefore there is no way to justify any sort of delight in your perceived failure of a strategy, when there is, in fact, no de facto implementation of a strategy to begin with.

    So, my friends and detractors...thank you for your patience. On top of the challenged of my life, I have started a Masters degree program, so my time is limited. But I will be back. Be on the lookout in January for a continuation of the "Off the Grid" series, of which I have been continuing to research, although I have not yet had time to write.

    Happy Investing to you all,


    Five Plus Investor

    Dec 26 10:37 AM | Link | 21 Comments
  • Your 10 X 10 X CCC Shopping List For 2Q 2012

    For those of you not familiar with my 10 x 10 x CCC series, please see David Van Knapp's article. It talks about creating a portfolio that in yielding 10% or more yield-on-cost (YOC). Based on this concept, every quarter I publish a "10 x 10 x CCC Shopping List."

    The one list has grown to two. List #1 uses the most recent data available, which is the 1-year growth rate. List #2 will use the most conservative dividend growth rate among all published dividend growth rates (1-, 3-, 5- and 10-year).

    PLEASE NOTE: for the lists below, I am not accounting for inflation when considering yield-on-cost. I am using a simple "plug in" on rounded-down numbers.


    • BHP Billiton Ltd (NYSE:BHP)
    • Vanguard Natural Resources (NASDAQ:VNR)
    • El Paso Pipeline Partners (NYSE:EPB)
    • Lorillard, Inc. (NYSE:LO)
    • Arch Coal, Inc. (NYSE:ACI)
    • Western Gas Partners, LP (NYSE:WES)

    To view the 10 x 10 x CCC shopping lists, as well receive additional information, please click the link below to continue on:

    YoYoMama Stock Leads and Market Musings

    Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    Apr 15 6:39 PM | Link | 18 Comments
  • Where I Stand On Contributing

    Dear Readers:

    It's been almost two months since I've submitted an article to Seeking Alpha. It's been several weeks since I've even commented on anyone else's article. Some of you may be wondering if I've had a heart attack...or fallen off a cliff...or gotten mad and gone away.

    The answer is - none of the above.

    Simply put, LIFE has happened, in both good and trying ways.

    First, the good. The business I run with my husband has really taken off. Financially, this is great news, but success comes with a price. That price tag is - I am *working* - A LOT.

    Second, the trying. I am the mother of three teenagers. Right now, all three of them, in their own way, are testing who they want to be. They are asking themselves - do I want to adhere to my parents' morals...religion...educational ethic...and have been acting out accordingly.

    Any of you who have parented teenagers understand the tremendous toll, emotionally and physically, this testing period has on you. There is worry, anxiety, plenty of discipline, and being hated and railed against by the very children you give your life to. Frankly, there are some days where it takes all my emotional strength just to get through the day with just dealing with my kids, never mind the workload I carry.

    In other words, I am no different than any other reader out there who is not a professional broker, analyst or financial advisor. I'm a real person, with a *really* demanding life.

    All this means is: I just haven't had time to contribute.

    My problem is: I spend LOTS of time composing articles. Each article takes me 10 to 20 hours of research and word-smithing before I submit. That's time I just don't have right now, and may not have again for quite a while.

    Still, I enjoy being part of the Seeking Alpha contributor community. So what do I do???

    Well, I do have a tentative plan, and here it is: I will continue to contribute, but the in-depth articles will likely not happen more than 1x or 2x a month. These will get posted to Seeking Alpha as premium articles {hopefully I stay in the good graces of the editors here :) }.

    I will continue series updates (Cancorps, 10x10xCC) but I really don't need to create huge articles for those. These will go on my blog: I will post an Instablog notifying you of these articles. I will also blog on other topics of interest. Any blog entry I make, you will be notified.

    I can't ask you to do so on direct links, but if you ever visit my blog, please be so kind as to click a Google link if it interests you. This will make it monetarily worth my while to continue the blogging journey.

    My mind brims with greater ideas than time allows me to communicate. But with your patience and support, I'll try to get back in the swing of contributing again sometime soon.

    Thanks and Happy Investing,

    Five Plus Investor

    Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    Apr 10 3:02 PM | Link | 10 Comments
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  • sdrl
    Dec 18, 2013
  • I just posted a new InstaBlog with a link to your 10 x 10 x CCC shopping list for 2Q 2012. Like it? Support w/ AdChoices on blog. Thx!
    Apr 15, 2012
  • After my last article, I had the "aha" moment for JNJ, KMB, PG, et al. Pulled the trigger today on JNJ at $64. Maybe I should be "3 plus"?
    Nov 10, 2011
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